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37 <br /> Is every city automatically eliuible. <br /> No. The city will need to meet these underwriting criteria: <br /> • The city must have a policy and practice of inspecting and cleaning its sewer lines on <br /> a reasonable schedule. <br /> • If there are any existing problems in the city's system which have caused back-ups in <br /> the past or are likely to cause back-ups, the city must have and be implementing a <br /> plan to address those problems. <br /> • The city must have a system and the ability to respond promptly to back-ups or other <br /> sewer problems at any time of the day or week.. <br /> • The city must have in place an appropriate program to minimize storm- water inflow <br /> and infiltration. <br /> • The city must have in place a system to maintain records of routine sewer cleaning <br /> and maintenance, and of any reported problems and responses. <br /> We'd stress that in making the underwriting evaluation we're trying to focus on <br /> �. reasonableness, rather than on creating very specific standards. That is, the intent isn't to <br /> set an arbitrary requirement that sewers be inspected and cleaned every six months or <br /> every three years or whatever. What makes sense in one city with some older and <br /> sometimes sagging clay lines probably wouldn't make sense in a city with newer plastic <br /> lines, and vice versa. From the underwriting standpoint, the real concern is that the city <br /> has considered its own situation and developed polices, practices, and schedules that <br /> make sense for its own situation. <br /> How would the no-fault coverage work if we had a sewer back-up that was caused <br /> by city negligence, and where the city was legally liable for the resulting damages' <br /> In that situation, if the claim fell within the scope and the limits of the no-fault coverage, <br /> the claim would simply be paid under the no-fault coverage. <br /> If the situation isn't one where the no-fault coverage applies, the city's LMCIT liability <br /> coverage would respond just as it does now. That is, LMCIT would investigate and if <br /> necessary defend the claim on the city's behalf, and would pay the resulting damages if in <br /> fact the city is legally liable for those damages. - <br /> The same would be true for damages that exceed the $10,000 no-fault limit, or for a <br /> subrogation claim against the city by the homeowner's insurance company. Tile city's <br /> existincy LMCIT liability would respond just as it does now. <br /> • <br />